Federal Bank Visa Celesta Credit Card

The Federal Bank Visa Celesta Credit Card, recently introduced by Federal Bank, caters to high-net-worth individuals, offering exclusive advantages across various categories. Tailored to meet the specific needs of its target audience, the card provides enticing welcome perks, travel privileges, entertainment benefits, and more. Users can accrue up to 3 Reward Points for every Rs. 100 spent and receive a welcoming Amazon gift voucher valued at Rs. 600.

In terms of travel perks, the card grants complimentary access to domestic and international lounges annually. Enhancing cinematic experiences, it presents a Buy 1 Get 1 free offer on Inox movie tickets. Additionally, cardholders enjoy a dining discount of up to 15%, a 1% fuel surcharge waiver, an annual fee waiver, and other enticing features.

Key Highlights of Federal Bank Visa Celesta Credit Card

Unlock unparalleled benefits with the Federal Bank Visa Celesta Credit Card.

  1. Receive a 1% fuel surcharge waiver when fueling up at any Indian gas station.
  2. Earn triple reward points for every international transaction made with your credit card.
  3. Enjoy two free international lounge visits annually.
  4. Access up to a 15% discount at partner hotels through the FedDelights program.
  5. Earn triple reward points for all your travel expenditures.

Features and Benefits of Federal Bank Visa Celesta Credit Card

The Federal Bank Visa Celesta Credit Card offers several features and benefits:

1. Welcome Benefits:

  • Receive an Amazon Pay e-voucher worth Rs.2,000 as a welcome gift.
  • The voucher is granted upon spending a minimum of Rs.10,000 within the initial 30 days of your credit card issuance.

2. Milestone Benefits:

  • Spend over Rs.3 lakh in a year to have the Rs.3,000 annual fee for the next year waived.

3. Reward Points Benefits:

  • Earn 2x reward points on dining expenses.
  • Gain 3x reward points on travel expenditures.
  • Acquire 3x reward points for international transactions.
  • Earn 1x rewards for expenses in other categories.

4. Fuel Benefits:

  • Enjoy a 1% waiver on the fuel surcharge when swiping the Federal Bank Visa Celesta Credit Card at any fuel station in India.

5. Entertainment Benefits:

  • Receive a free INOX movie ticket when purchasing one.

6. Travel and Airport Lounge Benefits:

  • Avail 2 complimentary lounge visits annually at international airports.
  • Access 4 complimentary lounge visits every quarter at domestic airports.

7. Dining Benefits:

  • Utilize the FedDelights program for up to a 15% discount at partner hotels.

Federal Bank Visa Celesta Credit Card Fees and Charges

Explore the fee structure for the Federal Bank Visa Celesta Credit Card and discover the financial advantages that come with it.

1. Annual/Renewal Fee:

  • Amount: Rs. 3,000
  • Waived off on spending Rs. 3 lakh in a year

2. Finance Charges:

  • Starting from 0.49% per month (5.88% per annum)

3. Late Payment Charges (Based on Statement Balance):

  • Less than Rs. 100: Nil
  • Between Rs. 100 to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 5,000: Rs. 500
  • Between Rs. 5,001 to Rs. 10,000: Rs. 600
  • Between Rs. 10,001 to Rs. 25,000: Rs. 750
  • Between Rs. 25,001 to Rs. 50,000: Rs. 950
  • Above Rs. 50,000: Rs. 1,000

Eligibility Criteria for Federal Bank Visa Celesta Credit Card

Here are essential criteria for applying for an Federal Bank Visa Celesta Credit Card:

1. Age Requirements for Federal Credit Cards:

  • Secured Federal Credit Card: Applicants must be at least 18 years old.
  • Unsecured Federal Credit Card: Applicants must be a minimum of 21 years old.

2. Credit History Significance:

  • A positive credit history enhances the likelihood of obtaining a Credit Card with greater ease.

3. Nationality Criteria for Credit Card Applicants in India:

  • Applicants must be either Indian residents or Non-Resident Indians (NRIs) when applying for a Credit Card in India.

Documents Required for Federal Bank Visa Celesta Credit Card

To apply for the Federal Bank Visa Celesta Credit Card, you will typically need to provide the following documents:

1. Proof of Identity:

  • PAN Card
  • Aadhaar card
  • Driver’s License
  • Passport
  • Voter’s ID
  • Overseas Citizen of India Card
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Letters issued by the UIDAI

2. Proof of Address:

  • Aadhaar card
  • Driver’s License
  • Passport
  • Utility Bill (not more than 3 months old)
  • Ration Card
  • Property Registration Document
  • Person of Indian Origin Card
  • Job card issued by NREGA
  • Bank Account Statement

3. Proof of Income:

  • Latest one or two salary slips (not more than 3 months old)
  • Latest Form 16
  • Last 3 months’ bank statement

How to apply for Federal Bank Visa Celesta Credit Card

Follow these steps to apply for the Federal Bank Visa Celesta Credit Card online:

  1. Visit the Federal Bank Website:
    Go to the official website of Federal Bank.
  2. Navigate to Credit Cards Section:
    Look for the “Credit Cards” section on the website. This is usually found under the “Products” or “Personal Banking” tab.
  3. Explore Credit Card Options:
    Federal Bank may offer different types of credit cards. Review the features, benefits, and terms of each card to find the one that suits your needs. In this case, you’re looking for the “Federal Bank Visa Celesta Credit Card.”
  4. Check Eligibility:
    Ensure that you meet the eligibility criteria for the Federal Bank Visa Celesta Credit Card. Eligibility criteria may include factors such as age, income, and credit score.
  5. Gather Required Documents:
    Prepare the necessary documents, which typically include proof of identity, proof of address, proof of income, and other documents as specified by the bank.
  6. Online Application:
    Complete the online application form. Provide accurate information and double-check before submitting.
  7. Submission of Documents:
    After submitting the online application, you may be required to submit supporting documents. This can often be done online by uploading scanned copies.
  8. Verification Process:
    The bank will review your application and documents. This may involve a credit check.
  9. Application Status:
    You can usually check the status of your credit card application online or by contacting the bank’s customer service.
  10. Receive Credit Card:
    If your application is approved, you will receive the Federal Bank Visa Celesta Credit Card at the address provided during the application process.

Frequently Asked Questions (FAQs)

1. What is the Federal Bank Visa Celesta Credit Card?

The Federal Bank Visa Celesta Credit Card is a premium credit card offering exclusive privileges and benefits to cardholders. It is designed to provide a superior lifestyle experience, combining financial convenience with luxury perks.

2. How can I apply for the Federal Bank Visa Celesta Credit Card?

You can apply for the Federal Bank Visa Celesta Credit Card through the official website of Federal Bank. Alternatively, you may visit a Federal Bank branch or contact the customer service for assistance.

3. What are the key features of the Federal Bank Visa Celesta Credit Card?

The key features include complimentary airport lounge access, exclusive rewards program, accelerated reward points on specific categories, travel benefits, and dedicated customer support, among others.

4. What is the rewards program associated with the Visa Celesta Credit Card?

The card offers a comprehensive rewards program where you earn reward points for every eligible transaction. These points can be redeemed for a range of rewards, including travel, shopping, and gift vouchers.

5. How does the airport lounge access benefit work?

Cardholders enjoy complimentary access to airport lounges worldwide. The number of complimentary visits may vary, and details can be found in the card’s terms and conditions.

6. What are the eligibility criteria for the Federal Bank Visa Celesta Credit Card?

Eligibility criteria typically include a minimum age requirement, a minimum income threshold, and a good credit score. Specific details can be obtained from the bank’s official website or customer service.

7. Is there an annual fee for the Federal Bank Visa Celesta Credit Card?

The card may have an annual fee, and it is advisable to check the current fee structure on the bank’s website or contact customer service for the most accurate and up-to-date information.

8. How can I check my credit card statement and reward points balance?

You can easily access your credit card statement and check your reward points balance through the bank’s online banking portal or mobile app. Monthly statements are typically sent to your registered email address.

9. What security features are in place for the Federal Bank Visa Celesta Credit Card?

The card comes with advanced security features, including EMV chip technology, SMS alerts for transactions, and the option to set spending limits. In case of loss or theft, promptly report it to the bank for necessary action.

10. How do I contact customer support for the Federal Bank Visa Celesta Credit Card?

You can reach the customer support team through the helpline number provided on the back of your credit card or on the bank’s official website. Additionally, you may visit a local Federal Bank branch for assistance.